It is not a debt we care to own up to as loving neighbor as yourself is not as sweet as it sounds. First of all we hardly love ourselves, although we like ourselves well enough to fulfill desires as if they were needs. We almost always neglect the “neighbor” as defined by the parable of the Good Samaritan and avoid contact with them when we can. We don’t even fully love those who love us, withholding a certain amount of capital in reserve, fearful that full commitment may lead to personal bankruptcy. That’s the truth. Fear drives the process and love demands more than anyone is willing to pay. If it came easy we’d be better at it and the Bible wouldn’t have to talk about it so much. But as it is we are reluctant to love fully especially when it means we have to sacrifice time or energy or pay real dollars on the debt. There are some who recklessly disregard conventional wisdom and even if they had a rainy day fund would have spent it long ago on the needs of others. We call them saints and most of them are dead or in prison or live in ways the rest of us do not care to live by, thank you very much. They do inspire us, though, don’t they? Maybe enough to put ourselves on a payment plan to pay down the debt of love we can never repay for the Jesus who inspires saints to live with and love neighbors not like themselves died to save us all and has already paid the debt the law demanded.